Create User

A user must be created under the merchant account before LedgerBlock can perform user-level operations such as KYC verification, wallet creation, PIN setup, and transactions.

Creating the user generates a unique user_ref. This reference identifies the user across subsequent API operations and should be stored securely.

Why Create a User?

A merchant creates a user to:

Establish an individual user under the merchant account.
Obtain a unique user_ref for identifying the user in subsequent API requests.
Specify the user's KYC tier during account creation.
Enable the user to proceed through KYC and wallet setup.
Associate future accounts, wallets, and transactions with the correct user.

Sample Request — Create User

POST {{base_url}}/api/v1/merchant/user

Request Headers

Name	Type	Description
`Authorization`*	String	`Bearer ${api_key}` — your activated merchant API key.

Request Body

Name	Type	Description
`user_name`	String	The name of the user.
`email`	String	The user's email address.
`kyc_tier`	String	KYC tier assigned to the user during creation.

Sample Request

{
  "user_name": "Test User",
  "email": "[email protected]",
  "kyc_tier": "TIER_1"
}

Response

`200 OK`

{
  "status": "success",
  "message": "Successfully created.",
  "data": {
    "user_ref": "USER-REF-001"
  }
}

Response Fields

Key	Type	Description
`user_ref`	String	Unique reference assigned to the created user. Store this value for future user-level operations.